Otsego County and Oneonta City property record for 81 River St, Oneonta, NY 13820
| Property Type | Single Family Home |
|---|---|
| Details | 6 bd · 4 ba · 3,530 sqft · built 1922 |
| Lot Size | 0.4 acres (17,424 sqft) |
| Owner | Individual Name on Record |
| Last Sale | $186,170 (Nov 2020) |
| Tax Bill | $6,984 (2026) |
| Deeds & Mortgages | Nov 2020 Mortgage Nov 2020 Sale & Mortgage |
| Flood Zone | Zone X (moderate risk) |
| APN | 361200 300.13-1-50 |
| Primary APN | 361200 300.13-1-50 |
|---|---|
| Alternative APNs |
|
| Bedrooms | 6 Beds |
|---|---|
| Full Baths | 4 Baths |
| Stories | 2 Stories |
| Building Area | 3,530 sqft Living Area |
| 1st Floor Area | 1,939 sqft |
| 2nd Floor Area | 1,179 sqft |
| Attic | Attic |
| Attic Area | 412 sqft |
| Year Built | Built 1922 |
|---|---|
| Effective Year Built | Effective 1975 |
| Architectural Style | Traditional |
| Exterior Material | Brick |
| Lot Area | 17,424 sqft (0.4 acres) |
| Lot Dimensions | 192 ft deep x 119 ft wide |
| Garage Type | Mixed |
| Garage Area | 560 sqft |
| Parking Spaces | 3 Parking Spaces |
| Porch | Slab |
| Porch Area | 612 sqft |
| Shed | 1 Shed |
| Heating System | Hot Water |
|---|---|
| Heating Fuel | Oil |
| Sewer | Municipal |
| Water Source | Commercial |
| Account Number | 3911 2745 |
|---|---|
| Street Address | 81 RIVER ST |
| City | ONEONTA |
| State | NY |
| Zip | 13820-2344 |
| Property Category | Residential |
| Property Type | Residential > Single Family > Home |
| Local Zoning Code | 120 |
| Legal Block | 1 |
| Legal Lot Number | 50.000 |
| Jurisdiction | OTSEGO NY |
| Township / Civil Division | ONEONTA |
| Census Block Group | 1 |
| Census Block | 1012 |
| Census Tract | 591100 |
Source: Otsego County and Oneonta City records, as of September 23, 2026
Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.
| Owner of Record | Individual Name on Record |
|---|---|
| Mailing Address | 81 RIVER ST, ONEONTA, NY 13820-2344 |
| Occupancy | Owner Occupied |
| Owner Type | Individual |
| Date | Document |
|---|---|
| Nov 10, 2020 | Deed of Trust, Mortgage · FHA Mortgage HOMESTEAD FNDG |
| Nov 12, 2020 | Warranty Deed, Transfer · FHA Mortgage HOMESTEAD FNDG |
| Deed Names | Name on Deed |
|---|---|
| Last Sale | Nov 12, 2020 · Amount on Record |
| Deed Sale | Nov 12, 2020 · Amount on Record |
| Deed Document Number | 20205052 |
| Record Updated | Oct 29, 2026 |
| Document Type | Deed of Trust |
|---|---|
| Jurisdiction | OTSEGO NY |
| Property Address | 81 RIVER ST, ONEONTA, NY 13820-2344 |
| Document Number | 0000005053 |
| Instrument Date | Nov 10, 2020 |
| Transaction Type | Mortgage |
| Record Updated | Nov 25, 2020 |
| Title Company | ATTORNEY ONLY |
| Name | Verified Name |
|---|---|
| Address | 3980 STATE HIGHWAY 7 #1B ONEONTA NY 138203716, 1B, ONEONTA, NY 13820-3716 |
| Document Number | 0000005053 |
|---|---|
| Date | Nov 12, 2020 |
| Instrument | 5053 |
| Name | HOMESTEAD FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | ALBANY, NY 12205 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 11, 2050 |
| Document Type | Warranty Deed |
|---|---|
| Jurisdiction | OTSEGO NY |
| Recording Date | Nov 12, 2020 |
| Property Address | 81 RIVER ST, ONEONTA, NY 13820-2344 |
| Document Number | 0000005052 |
| Instrument Date | Oct 27, 2020 |
| Instrument | 5052 |
| Transaction Type | Transfer |
| Record Updated | Dec 4, 2020 |
| Title Company | ATTORNEY ONLY |
| Amount | Amount Recorded |
|---|---|
| Downpayment | Downpayment on Record |
| Loan-to-Value (LTV) | LTV on Record |
| Tax | $745.00 |
| Amount Accuracy | Confirmed |
| Additional |
|
| Name | Verified Name |
|---|
| Name | Verified Name |
|---|---|
| Address | 3980 STATE HIGHWAY 7 #1B ONEONTA NY 138203716, 1B, ONEONTA, NY 13820-3716 |
| Document Number | 5053 |
|---|---|
| Date | Nov 12, 2020 |
| Instrument | 5053 |
| Name | HOMESTEAD FNDG |
|---|---|
| Type | Funding / Finance Company |
| Address | ALBANY, NY 12205 |
| Type | FHA Mortgage |
|---|---|
| Amount | Amount Recorded |
| Term | 360 Months |
| Due | Nov 11, 2050 |
Source: Otsego County and Oneonta City assessment roll, as of April 30, 2026
| Type | Name |
|---|---|
| State | New York |
| County | Otsego County |
| Municipality | Oneonta City |
| Unified School District | Oneonta City School District (PK - 12) |
| Year | Tax Bill | Assessed Value | Assessed Market Value |
|---|---|---|---|
| 2026 | $6,984.00 (+2.45%) | ||
| 2025 | $6,817.00 | $180,000 (-) Land $123,100 Building $56,900 | $253,521 (+14.08%) Land $173,380 Building $80,141 |
| 2023 | $180,000 Land $123,100 Building $56,900 | $222,222 Land $151,975 Building $70,247 |
Assessed value and assessed market value are set for property tax purposes and are not market price estimates.
Source: FEMA National Flood Hazard Layer, effective March 20, 2017 · OpenFEMA NFIP redacted claims and policies, as of September 2026
| FEMA Flood Zone | Zone X moderate risk |
|---|---|
| 500-Year Floodplain | Yes 0.2% annual chance |
| Flood Insurance Requirement | Not required lenders may require it |
| Community Rating System | Class 10 (0% premium discount) |
| Nearby Flood Policies | 5 in force |
| Nearby Flood Claims | 11 (1978–2011) |
| Claims Outside the SFHA | 2 of 11 |
| Most Recent Claim | Sep 2011 · Remnants Of Tropical Storm Lee |
| Claims by Event |
|
Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.
Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024
| Wildfire Risk | Low lower than 80% of the US · above 54% of New York |
|---|---|
| Wildfire Likelihood | 0.01% annual chance |
| Exposure | Indirect within ember reach |
| Adjoins Burnable Land | Yes |
Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.
Source: EPA Safe Drinking Water Information System, as of September 2026
| Water System | ONEONTA CITY serves 15,954 people · EPA ID NY3800154 |
|---|---|
| Water Source | Surface water |
| Last State Inspection | Oct 2024 |
| Lead | 6 ppb (2023–2025) action level 15 ppb |
| Water Quality | None last 10 years |
|---|---|
| Treatment and Procedure | None last 10 years |
| Monitoring and Reporting | 2 last 3 years |
Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes.
Source: FCC Broadband Data Collection, based on 257 locations within half a mile, as of December 31, 2025
| Provider | Max Down / Up (Mbps) |
|---|---|
| Spectrum Cable · Fiber in parts of the area | 1,000 / 1,000 |
| Verizon Fixed Wireless | 300 / 20 |
| T-Mobile Fixed Wireless | 100 / 20 |
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